---
title: "Compare Melio vs ePayPolicy 2026 | Capterra"
description: "Unsure of what to choose? Check Capterra to compare Melio and ePayPolicy based on pricing, features, product details, and verified reviews."
source_url: "https://www.capterra.com/compare/184673-198072/Melio-vs-ePayPolicy"
page_type: "comparison"
language: "en"
---

# Melio vs ePayPolicy Features and Cost Comparison

Last updated September 17th, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

MelioePayPolicy2/4 selected

[Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (405)](https://www.capterra.com/p/184673/Melio/reviews/)

[ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

[## Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (405)](https://www.capterra.com/p/184673/Melio/reviews/)

Starting Price

$25.00/month

Value-for-Money

4.3

Functionality

4.1

Ease of Use

4.4

Customer Service

4

Reviews Sentiment

Based on [405 reviews](#user-reviews)

Positive

335

Neutral

9

Negative

61

[## ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

Starting Price

$25.00/month

Value-for-Money

4.8

Functionality

4.8

Ease of Use

4.9

Customer Service

4.8

Reviews Sentiment

PG

Based on [258 reviews](#user-reviews)

Positive

256

Neutral

0

Negative

2

What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 24,065 reviews from payment processing software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

70%Fit

Missing features

Feature ratings

Data Security

4.4

Online Payments

4.3

Payment Fraud Prevention

NA

Debit/Credit Card Processing

4.2

Expense Tracking

4.3

75%Fit

Missing features

Not enough reviews

Feature ratings

Data Security

5.0

Online Payments

4.9

Payment Fraud Prevention

4.8

Debit/Credit Card Processing

4.8

Expense Tracking

NA

User satisfaction

User satisfaction

4.2

User reviews[405](https://www.capterra.com/p/184673/Melio/reviews/)

Ease of use

4.4

Functionality

4.1

Value for money

4.3

Customer support

4.0

User satisfaction

4.9

User reviews[258](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

Ease of use

4.9

Functionality

4.8

Value for money

4.8

Customer support

4.8

Price starts from

Price starts from

$25Per User, Per Month

-   Free version
-   Free trial

Price starts from

$25Per Feature, Per Month

-   Free version
-   Free trial

Best for

Best for

Caters to business owners and finance teams in the US to streamline AP and AR and improve cash flow. Also, ideal for US accountants seeking an AP solution.

Best for

Independent Agents, MGAs, Brokers, Carriers, Premium Finance Companies

## User reviews

Pros & cons

KS

Krzysiek S.

manager

> "It is a useful solution for managing invoices, sending payments, and keeping vendor payments better organized."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7172483)

BK

Bridgette K.

owner

> "I have tried this software several times, and each time I receive a generic email saying the transfer cannot be processed after an internal..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7042405)

KM

Katsia M.

Director

> "It is also a relief that users are able to review and approve items within Melio so I do not have to send follow-up approval requests."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7177007)

JM

Julie M.

Owner

> "oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381)

LC

Lin C.

CEO

> "We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679)

JM

Julie M.

Owner

> "I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381)

GI

Gabriel I.

Founder

> "One of my clients uses Melio as their payment gateway to their freelancers, so I can give the freelancer's point of view and it works..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6761402)

KW

Kimb W.

Owner

> "There is a chance of card payments to result in significant fees if you use the service frequently"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6743085)

NN

Nick N.

Owner

> "With Melio, I found it quite useful for managing international payments for suppliers and even combining several payments into a single..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7023884)

BM

Brandon M.

Owner

> "My only issue is that card payments aren't sent on weekends."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314)

MK

Marina K.

Chief Financial Officer

> "Also, since there are multiple tabs for each company (for example) - no problem."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7153844)

BK

Bridgette K.

owner

> "I wanted to love this software, but was unfortunately unable to truly experience its benefits."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7042405)

LC

Lin C.

CEO

> "The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679)

TT

Toni T.

Owner

> "Payments that they used to allow to be expedited that have not changed in dollar amounts or vendors, or payment accounts, are all of a sudden..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___5016348)

CC

Charles C.

Director Marketing

> "It improved the entire invoicing process by having an accurate order of payments sent and received."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6772703)

SK

Shawn K.

Director

> "We had some issues with some clients making payments where their bank declined to perform the transactions (not familiar with the services so..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229258)

JR

Julian R.

Finance and foreign trade

> "The data is stored on a secure platform that allows payment tracking for more security"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6533634)

KC

Kyle C.

CEO

> "It's such an obvious avenue for fraud it's stunning and the lack of urgency on fixing it will likely drive me to use a competitor."

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617)

EL

Elizabeth L.

professional accountant

> "We have managed to make bill payment faster and easier with Melio, making payments to clients in a timely manner."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909)

Garrett B.

Owner

> "All I want to do is change my email address because the one on file doesn't work anymore."

[See full review](https://www.capterra.com/p/184673/Melio/#GetApp___6186544)

LC

Lin C.

CEO

> "Customer support was adequate when needed, and the platform generally felt stable with minimal bugs or issues."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679)

KB

Kathleen B.

Founder, Virtual Assistant

> "I've had this happen twice now, and it's put a serious strain on vendor relations and made us look like zeros instead of heroes."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

JM

Julie M.

Owner

> "It started off as a pretty okay solution for needing to streamline payments to vendors all in one place. "

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381)

JD

Jamie D.

Accountant

> "The processing of checks also seems to take a really long time, sometimes I will get a bill in and go immediately to setup payment and it..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716)

NN

Nick N.

Owner

> "The thing I liked about Melio is that it is free of subscription payments and free to register."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7023884)

JM

Julie M.

Owner

> "I found it very confusing and not a smooth process at all."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381)

KW

Kimb W.

Owner

> "It's the most suitable for business accounting software integration that will make everything smooth and clear"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6743085)

KB

Kathleen B.

Founder, Virtual Assistant

> "It's been 24+ hours since we've contacted support and no one has said "boo" let alone an explanation for what thee payment failed."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

EL

Elizabeth L.

professional accountant

> "It makes the whole process of paying bills easier and spending hours entering data."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909)

HH

Heidi H.

owner

> "It is glitchy when trying to add new clients and keeps old ghost bill data that isn't relevant even after it's been deleted."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4430808)

ER

Erika R.

Real estate investor

> "Highly recommended for anyone who wants a simple, reliable, and efficient way to manage business payments."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7049231)

KB

Kathleen B.

Founder, Virtual Assistant

> "However, the last two months have been a nightmare to deal with because of actions Melio took without communication or resolution."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

LC

Lin C.

CEO

> "The learning curve was very low, and it provided good value for money for our needs."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679)

KB

Kathleen B.

Founder, Virtual Assistant

> "I've now had three instances of payments being stopped--critical payments I'd add."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

AC

Ania C.

Assistant Manager

> "It has been a good experience and has relieved a lot the way credit card payments are processed."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586245)

KB

Kathleen B.

Founder, Virtual Assistant

> "Worst of all, support does nothing but say it's the "payer's responsibility" to check information."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

EL

Elizabeth L.

professional accountant

> "Now I only have to upload the bills and Melio does everything for me."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909)

LG

Laura G.

Office Manager, Bookkeeper

> "Unbeknownst to me, logging into my account this way created a duplicate account under our company ID, and I soon was contacted by their..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4358275)

SS

Saurabh S.

Founder

> "online payment platform that allows small businesses to pay bills and vendors using bank transfers or debit cards, making the process easy and..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775148)

SM

Saviour M.

MANAGER

> "The user interface is not very much easy to use, as i had found it a bit confusing when I started using melio back then."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6168073)

PW

Peter W.

Vice President

> "Its integration with other apps, such as QuickBooks and Xero, makes payment processing seamless and efficient, saving time and increasing..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774978)

MC

Marialuisa C.

Owner

> "It's pretty limited and it had an issue once that I canceled a scheduled recurring payment but it continued to send payment to a vendor for..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4236203)

AC

Ada C.

CEO & Founder

> "Melio makes invoice processing quick and efficient - I can upload an invoice and it'll automatically populate the information, or I can..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466)

IL

Ivan L.

Sales

> "My clients reported constant calls from Melio at any time, which I think is something that no one should do if the person that uses the..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231067)

SC

Sachin C.

Agritech

> "The platform offers a range of payment options, including credit card payments for bills that don't typically accept them, and automated..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774982)

KB

Kathleen B.

Founder, Virtual Assistant

> "hours is not good enough for a payment processor."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

BH

Basim H.

Managing Member

> "One of its best features is that I am able to schedule vendor payments as invoices come in and later track and balance."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4430567)

KC

Kari C.

executive director

> "I tried integrating with QuickBooks, but it didn't work right, maybe because it assumes accrual and not cash based accounting."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169998)

RS

Ryan S.

Manager

> "Overall, it keeps us from having to hand write checks, allows contractors to easily submit invoices, and helps us keep payments on auto draft."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169056)

CH

Chris H.

Founder

> "One issue I ran into with independent contractors:When dealing with many vendors you are paying, the main name to search for is the "company..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169225)

LR

Liz R.

Owner

> "It’s easy to use and all the functionalities you have to send payments is great!"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6624505)

CH

Chris H.

Founder

> "Individuals working as independent contractors sometimes don't understand and put in funny names as company name. If it's the vendor who set..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169225)

AC

Ada C.

CEO & Founder

> "The free ACH option is great for small businesses and it's super helpful that Melio tells you when the money will be debited and when it will..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466)

PK

Paige K.

CEO

> "It overall wasn't the most cost effective option for our company and other options allowed for more tailored options for our needs."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4225057)

Andrei P.

Data Scientist

> "The best thing about Melio is that it has no subscription, so you can use it as long as you want, and your vendor don't need a Melio account..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4341001)

RW

Robert W.

President

> "Melio used to be the best thing, however they have started having issues with NOT submitting payments to vendors after scheduled and refuse to..."

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___3742582)

JD

Jamie D.

Accountant

> "The ease of the app and ability of the integration with QBO is unprecedented and has seriously saved me hundreds of hours for each client that..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716)

VR

Verified Reviewer

Office Manager - Bookkeeper

> "We won't be using any paid methods of payment with Melio any longer because sadly they are at best dishonest in what they charge for and they..."

[See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760)

JW

Julieanne W.

Systems expert

> "Melio makes it easy to keep all of your bill payments in one place, know when each payment is due and take care of it automatically for you so..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231548)

KC

Kyle C.

CEO

> "Security flaws are huge."

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617)

CN

Carmen N.

Head of Corporate Affairs

> "We have to process many payments per day and with Melio I was able to upload and pay our invoices timely and quickly"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229360)

SP

Sonny P.

Owner

> "Trying to print to the payment activity to pdf from the web browser never works."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229430)

CT

Christie T.

Owner, Lead Bookkeeper

> "As a bookkeeper, it is important that Melio allows me to have my client approve their payments before they are processes, and the process is..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775125)

AM

Allie M.

Owner

> "I use this service solely because my accountant uses it to send bills my way, and as a result I am on the receiving end of intrusive..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3440097)

AH

Alton H.

owner

> "I was able to pay several vendors within minutes without headache or hassle."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6490526)

KC

Kyle C.

CEO

> "You have to just hope you dont have a disgruntled employee or book-keeper?"

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617)

BM

Brandon M.

Owner

> "Great experience overall, great support and pricing."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314)

AB

Amanda B.

Executive Assistant

> "Melio cannot make payments to Guyana, which is unfortunate as our organization has vendors in that country."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169273)

CM

Carisa M.

Accounting Manager

> "it has given us the ability to work in remote situations and process payments for clients no matter where we are."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775311)

KM

Katherine M.

Office Manager

> "I don't like the new feature of how invoices are listed in the inbox."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4168638)

SP

Sonny P.

Owner

> "The integration with QBO brings efficiencies that allows me to offer better A/P services to clients."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229430)

RM

Rick M.

President

> "Can't get customer service to answer during their business hours; they answer that they are closed."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4702099)

BW

Ben W.

Manager

> "The drag & drop invoice functionality works great 99% of the time, and they make it super easy to set up recurring payments as well."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4168757)

KB

Kathleen B.

Founder, Virtual Assistant

> "There is too great a risk of fraud."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

Ginger B.

Court reporter

> "This has been the only site that I have found that allows me to pay my contractors via credit card and float my expenses!"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4716945)

VR

Verified Reviewer

Office Manager - Bookkeeper

> "Even with the receipts they request they do not care even telling me that I should have read their policy article before using their service."

[See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760)

JD

Jamie D.

Accountant

> "I love how it gives you options, you pay the fee or your customer does, they make the call on how they want to be paid via check or ACH."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716)

DB

DrJoy B.

Owner

> "I would like to have recurring billing to my clients for services and it's not supported at this time."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4776011)

Ryan M.

Executive Administration

> "It is nice being able to have rewards being built for credit card payments, less 1099's, and simple payment tracking"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715228)

KC

Kyle C.

CEO

> "I'd stay away from Melio until this fixed."

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617)

VR

Verified Reviewer

Owner

> "Melio has easy & simple Interface which helped me to easily understand and navigate through the software."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4325304)

SM

Saviour M.

MANAGER

> "The user interface is not very much easy to use, as i had found it a bit confusing when I started using melio back then."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6168073)

BA

Bianca A.

Accounting

> "Melio offers an easy to use user interface."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6367683)

VM

Vic M.

President

> "Web interface a bit clunky for desktop users."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231762)

Greg C.

Founder

> "The user interface is basic, but that's actually a good thing in this case"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775084)

Ryan M.

Executive Administration

> "Not really friendly yet for QB Desktop users."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715228)

JW

Jaime W.

Bookkeeper Business Owner

> "Melio is a user friendly platform and works smoothly."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229741)

MB

Michael B.

Owner

> "Integration with QuickBooks Online doesn’t work"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229388)

JD

Jamie D.

Accountant

> "The fact that it is free for ACH and has the integration with QBO."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716)

JS

James S.

CEO

> "Does not integrate with Quickbooks Desktop software."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4168954)

LH

Lisa H.

President

> "Integration with QuickBooks Online was a breeze."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775966)

KB

Kathleen B.

Founder, Virtual Assistant

> "However, the last two months have been a nightmare to deal with because of actions Melio took without communication or resolution."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

CT

Christie T.

Owner, Lead Bookkeeper

> "I love that Melio is easy to use and integrates with Quickbooks online."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775125)

RM

Rick M.

President

> "Can't get customer service to answer during their business hours; they answer that they are closed."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4702099)

PW

Paul W.

Owner

> "Absolute ease of integration across all fields."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4251061)

RD

Rodrigo D.

Publisher

> "I didn't need to use its customer service yet, but I read it can be a bit hard when you need it."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4778598)

CH

Chris H.

Founder

> "Melio makes my life a lot easier."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169225)

KF

Kristen F.

Owner

> "The software has developed a lot of bugs and customer support is severely lacking."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4251247)

[View Reviews](https://www.capterra.com/p/184673/Melio/reviews/)

PEG

Paul E G.

Agency Owner

> "What I like most is I can invoice the customer and give them an option to pay EFT or credit card with a 3.5 fee. Or EFT..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005274)

BR

BECKY R.

ACCOUNTING MANAGER

> "WE DO NOT HAVE THE ABILITY TO DECLINE PAYMENTS BEFORE THEY ARE POSTED. WHEN A PAYMENT NEEDS TO BE RETURNED THERE ARE..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000990)

RD

Rosalie D.

President

> "The branded payment page adds a polished touch, and the ability to accept ACH and card payments within 24 hours has..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883470)

SK

Stephanie K.

Insurance Agent

> "Clients often have to pay processing fees (especially for credit card payments), which can cause friction or..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883270)

VR

Verified Reviewer

Account Manager

> "Really has helped us cater to our busy clientele, very limited learning curve and even our least tech savvy team members..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7158205)

NL

Nimisha L.

Principal Owner

> "Emails - Should be able to mask the email with the agency name. As it may goto client spam box or they may not trust it as..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883550)

SC

Stacey C.

Account Executive

> "Also, ePay is integrated into our management system when a client pays us it automatically reconciles that payment and..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883471)

MB

Mark B.

Insurance Agent-Broker

> "Also the other Major dislike about using ePayPolicy is it has a $10,000 transaction limit, whereas Anddone has no limit..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005236)

VR

Verified Reviewer

Accounting and Operations

> "Our clients can simply and securely pay their premiums via a link we have available on our invoices and email without any..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882366)

BF

Brendan F.

Insurance Broker

> "I was unable to locate the created invoice in our AMS system using the account number or invoice number."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883228)

Ashley B.

Finance Director

> "The ability to send reminder emails to our clients is quick and efficient."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157819)

KW

Kurt W.

Agency Owner

> "Before having ePayPolicy I had no way other than checks for payment in full for insurance policies that didn't offer..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005195)

LW

Lynnette W.

President

> "Efficiency - we love being able to send our clients a link and for them to easily make payment."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157825)

DW

Diana W.

CSR

> "It is sometimes difficult for customers to find their invoices if they enter the wrong zip code, etc."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000520)

JL

Jing L.

Accountant

> "It made collecting payments from clients much more efficient, and the integration with our existing accounting system..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005190)

BE

Brianna E.

Accounts Receivable

> "Also if there are credits on the account (which are unseen to insured), payment is not taken and can sometimes be..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000917)

TK

Tabatha K.

Account Manager

> "I also always let the client know when making their ACH or Credit card payments their payment information is safe and..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882364)

SF

Sam F.

VP of Underwriting

> "It is hard to get things processed or checked through the admin side of the website."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882342)

SH

Sojha H.

Principal

> "Payments come in quickly, deposits are reliable, and I can keep better track of my sales and client payments all in one..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005708)

PD

Pedro D.

CEO

> "Another issue I have, is that deposits are not always deposited in a timely manner."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882604)

BC

Branda C.

Agent

> "Being able to accept credit card payments and having a professional looking payment landing page for my clients."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000540)

MB

Mark B.

Insurance Agent-Broker

> "I dislike the link you get from epaypolicy to add to emails is really long."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005236)

BB

Bobbi B.

Commercial Agent

> "We just started with ePay but so far it is proving to be very useful to our agency, particularly with speeding up the time..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000451)

CC

Catherine C.

Operations Manager

> "Sometimes it is difficult to explain to clients why the card fees are a percentage."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7006444)

CR

CHARLES R.

Owner

> "The process is streamlined and seamless for use as a broker. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157690)

JH

JORDAN H.

Sr. VP - Director of Operations

> "Having to split larger transactions is frustrating."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882299)

AB

Annika B.

Accounting and Administrative Coordinator

> "It doesn't seem to break very often at all, and the dependability is pretty unmatched."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7158154)

LK

Leslie K.

Agent

> "Credit card and ACH fees, but I know that can't be helped."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882308)

TE

Tara E.

Bookkeeper

> "The simplicity of sending clients a link for payment has been great. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157685)

AH

Andrew H.

Insurance Agent

> "Sometimes we need to send refunds to clients, and I have to hand write checks which I hate because it is time consuming."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081697)

NL

Nimisha L.

Principal Owner

> "She told me I was an angel (lol) because she was able to make her premium payment right from her couch—without writing..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883550)

DV

Donna V.

Agency Principal

> "Premiums collected are not "INCOME" to my agency, they are gross premiums, 90% of which is the carrier's premium."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081932)

CD

Clay D.

CFO

> "Site integrations are very robust and we're able to plug in other tools like premium finance and back end processing."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005661)

SM

Stacy M.

Commercial Lines Manager

> "The payment amount cap has created a few issues on larger accounts attempting to make their premium payments."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081374)

DD

Dennis D.

President and Owner

> "The ease of producing an invoice and the ease for the client to pay."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157656)

DW

Diana W.

CSR

> "It has highlighted some issues on our agency's side."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000520)

DD

Dennis D.

President and Owner

> "The reporting features are very helpful as well."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157656)

TF

Tanner F.

Account Executive and Member

> "The website is slow to load."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883459)

MB

Matthew B.

agent manager

> "ease of the service, ability to send links or just create invoices, refund policy is great as well, all around great..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000496)

LM

Lee M.

owner

> "Price and useability Why do they charge us a monthly fee when they are collecting Exorbitant fee's from the client's. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081296)

DR

Damon R.

Agency Principal

> "We also find the program to pay our wholesales directly very easy and creates tracking for us as well."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882304)

AH

Andrew H.

Insurance Agent

> "I have to click several links to get to it, which is annoying since it's one of only two features I use."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081697)

LW

Lynnette W.

President

> "Happy to have this as an option for clients to pay. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157825)

DK

Diane K.

Accounting

> "Sometimes the time between client payment and the money getting to our account seems excessive."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081864)

ALM

Ana Laura M.

President

> "The system is safe and secure and makes the client feel more comfortable by avoiding having to give their banking info to..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005631)

BM

Betty M.

Owner

> "Delay waiting for funding (not their fault but still can take a few days to get funded)."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081240)

AG

Angela G.

Insurance Broker

> "I am thankful that it provides clients with the option to pay with a bank account or a credit card."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882327)

KS

Kaitlin S.

Office Manager

> "The fees on credit/debit card fees would be my least thing I like about it."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081391)

ALM

Ana Laura M.

President

> "It has given my business the ability to keep up with the times and new ways of conducting business."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005631)

BA

Brandy A.

Agency Owner

> "We are unable to set up reoccurring payments without action from the client."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081847)

TK

Tabatha K.

Account Manager

> "It is a great tool that helps our clients pay their agency billed payments quickly and conveniently. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882364)

DM

Douglas M.

President

> "It does not integrate with our agency management system."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081694)

LS

Lois S.

Accounting

> "Our clients love the option to pay for their agency bill invoices online."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005187)

TK

Tracey K.

Commercial Insurance Agent

> "Honestly i do not think i have anything that i dislike about epay system."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000444)

AJ

Adrienne J.

Vice President

> "Great addition to have an option for payments to offer clients and easy to add link to email footer for them to use."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005655)

KH

Kristi H.

CSR

> "The cost of running a credit card it getting to high."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081772)

TE

Tara E.

Bookkeeper

> "Has been worth the money, makes receiving payments a breeze. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157685)

CR

Cheryl R.

Account Manager

> "I feel $10.00 is a bit much."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081712)

DD

Dennis D.

President and Owner

> "I would say it has been a huge help to my firm, given that I am a sole proprietor."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157656)

CE

Cindy E.

ceo

> "price is not very good and it takes too long to process"

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6087187)

LO

Luis O.

PRESIDENT

> "It’s user-friendly, fast, and secure, which gives our customers peace of mind while helping us streamline operations."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005579)

DW

Diana W.

CSR

> "It has highlighted some issues on our agency's side."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000520)

CR

CHARLES R.

Owner

> "I can't say enough about what an asset the service has been for our agency."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157690)

DM

Douglas M.

President

> "It does not integrate with our agency management system."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081694)

KC

Kelley C.

Account Executive

> "The platform is user-friendly, secure, and integrates seamlessly with our agent management system."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005570)

TK

Tracey K.

Commercial Insurance Agent

> "Honestly i do not think i have anything that i dislike about epay system."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000444)

[View Reviews](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

## User interface

4.22 (405)

[ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)

4.88 (258)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

Accounting Integration

207

Important

ACH Payment Processing

150

Important

Activity Dashboard

120

Important

Melio

18/50

-   Accounting Integration
-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Barcode/Ticket Scanning
-   Billing & Invoicing
-   Cash Management
-   Compliance Management
-   Contactless NFC
-   Credit Card Management
-   Credit Card Processing
-   CRM
-   Cryptocurrency Processing
-   Customer Database
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Data Synchronization
-   Debit/Credit Card Processing
-   Digital Wallet Integration
-   Digital Wallet Payments
-   Discount Management
-   eCommerce Integration
-   E-commerce Integration
-   Electronic Signature
-   Encryption
-   Expense Tracking
-   Fraud Detection
-   Generative AI
-   Gift Card Management
-   In-Person Payments
-   Invoice Management
-   Level 3
-   Levels 1 & 2
-   Loyalty Program
-   Mobile Access
-   Mobile Card Reader
-   Mobile Payments
-   Multi-Currency
-   Multi-Location
-   Multiple Payment Options
-   Offline Access
-   Omnichannel
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links

[See all features](https://www.capterra.com/p/184673/Melio/#features)

ePayPolicy

Top features

21/50

-   Accounting Integration
-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Barcode/Ticket Scanning
-   Billing & Invoicing
-   Cash Management
-   Compliance Management
-   Contactless NFC
-   Credit Card Management
-   Credit Card Processing
-   CRM
-   Cryptocurrency Processing
-   Customer Database
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Data Synchronization
-   Debit/Credit Card Processing
-   Digital Wallet Integration
-   Digital Wallet Payments
-   Discount Management
-   eCommerce Integration
-   E-commerce Integration
-   Electronic Signature
-   Encryption
-   Expense Tracking
-   Fraud Detection
-   Generative AI
-   Gift Card Management
-   In-Person Payments
-   Invoice Management
-   Level 3
-   Levels 1 & 2
-   Loyalty Program
-   Mobile Access
-   Mobile Card Reader
-   Mobile Payments
-   Multi-Currency
-   Multi-Location
-   Multiple Payment Options
-   Offline Access
-   Omnichannel
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links

[See all features](https://www.capterra.com/p/198072/ePayPolicy/#features)

### Recognition

Melio is recognized as a top-rated tool in 5 Capterra Shortlist reports

ePayPolicy is recognized as a top-rated tool in 3 Capterra Shortlist reports

### Deployment & support

Melio

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

ePayPolicy

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

Melio

-   By Melio
-   Located in United States
-   Founded in 2018

ePayPolicy

-   By ePayPolicy
-   Located in United States
-   Founded in 2014

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4.3

4.9

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/190778-198072/QuickBooks-Online-vs-ePayPolicy)

[Melio](https://www.capterra.com/p/184673/Melio/)[4.22 (405)](https://www.capterra.com/p/184673/Melio/reviews/)

vs

[Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (717)](https://www.capterra.com/p/76/Intacct/reviews/)

$25/month

Price

Contact vendor for pricing

4.1

Features

4.2

4.4

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/76-184673/Intacct-vs-Melio)

[ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.88 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

vs

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.63 (3,037)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

$25/month

Price

$0/month

4.8

Features

4.5

4.9

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/198072-275802/ePayPolicy-vs-Square-Point-of-Sale)